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IPEDS ID: 186201
OPE ID: 00934400
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Ramapo College of New Jersey
505 Ramapo Valley Rd, Mahwah, New Jersey 07430-1680
Información General:  (201) 684-7500 x7500
Página de Internet:  www.ramapo.edu/
Tipo:  4-años, Pública
Títulos Ofrecidos:  Licenciatura
Certificado de pos-licenciatura
Maestría
Certificado pos-maestría
Doctorado - profesional
Ubicación del Campus:  Suburbio: Grande
Dormitorios:  
Población Estudiantil:  5,732 (5,145 subgraduado)
Student-to-faculty ratio:  15 to 1
Admisioneswww.ramapo.edu/admissions/index.html
Aplica en líneawww.ramapo.edu/common/
Ayuda Financierawww.ramapo.edu/finaid/
Net Price Calculatornpc.collegeboard.org/app/ramapo
Tuition Policies for Servicemembers and Veteranswww.ramapo.edu/finaid/vet-prog/
Disability Serviceswww.ramapo.edu/oss/
Clasificación Carnegie
Master's Colleges & Universities: Larger Programs
Afiliación Religiosa
No Aplica
Ayuda Federal
Estudiantes elegibles pueden recibir Becas Pell y otra ayuda federal (por ejemplo, Préstamos Directos "Direct Loans").
Undergraduate students enrolled who are formally registered with office of disability services
8%
Oportunidades de Aprendizaje Especial
ROTC (Centro de Entrenamiento de Oficiales de Reserva) – Army (Ejército), Air Force (Fuerza Aérea)
Certificación de Profesor
Distance education – undergraduate programs offered
Distance education – graduate programs offered
Estudio en el extranjero
Institución de fin de semana/noche
Servicios Estudiantiles
Servicios de refuerzo
Servicio de consejería académica/profesional
Servicios de empleo para estudiantes
Servicios de colocación para los que completen
Crédito Aceptado
Doble Crédito
Crédito por Experiencias
Créditos de Colocación Avanzada
Faculty and graduate assistants by primary function, Fall 2021Full timePart time
Total faculty207261
Instructional207261
Research and public service00
Total graduate assistants-0
Instructional-0
Research-0
Estimated Expenses for Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Gastos Detallados2018-20192019-20202020-20212021-2022% change 2020-2021 to 2021-2022
Matrícula y cuotas
Residentes del Estado$14,374$14,678$14,952$14,9520.0%
No Residentes del Estado$23,715$24,229$24,695$24,6940.0%
Libros y materiales$1,593$1,593$1,594$1,5940.0%
Planes de alojamiento
En el Campus
Alojamiento y comida$12,450$12,840$14,420$14,4780.4%
Otros$3,155$3,293$3,250$3,2500.0%
Fuera del Campus
Alojamiento y comida$11,121$11,427$11,428$11,4280.0%
Otros$6,476$6,614$6,572$6,5720.0%
Fuera del Campus con Familia
Otros$5,765$5,903$5,860$5,8600.0%
Gastos totales2018-20192019-20202020-20212021-2022% change 2020-2021 to 2021-2022
Residentes del Estado
En el Campus$31,572$32,404$34,216$34,2740.2%
Fuera del Campus$33,564$34,312$34,546$34,5460.0%
Fuera del Campus con Familia$21,732$22,174$22,406$22,4060.0%
No Residentes del Estado
En el Campus$40,913$41,955$43,959$44,0160.1%
Fuera del Campus$42,905$43,863$44,289$44,2880.0%
Fuera del Campus con Familia$31,073$31,725$32,149$32,1480.0%
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This calculator uses estimated student expenses data to estimate the total tuition and fees charged over the duration of a typical 4-year program at this school.
1. Select starting academic year
2. Select tuition inflation rate
 
 

% (0-100 allowed)
  • The output is only an estimate and not a guarantee of the actual amount the student may be charged; it is not binding on the Secretary, the institution of higher education, or the State; and it may change, subject to the availability of financial assistance, State appropriations, and other factors. The student must complete the Free Application for Federal Student Aid (FAFSA) to be eligible for, and receive, an actual financial aid award that includes federal grant, loan, or work-study assistance.
  • The estimated price does not include room and board, books and supplies, &c. (where applicable) and is based on previous years' tuition and fees data. Tuition and fees may vary by program. Please contact this institution for detailed price information.
  • Estimated yearly tuition and fees may not sum to totals because of rounding.
Estimate the total tuition and fee costs over the duration of a typical program.
 Multiyear Tuition Calculator
Average graduate student tuition and fees for academic year2021-2022
Tuition$19,085
Fees$0
Alternative Tuition Plans
Type of PlanOffered
Tuition guarantee plan
Prepaid tuition plan
Tuition payment planX
Other alternative tuition plan
Undergraduate Student Financial Aid, 2020-2021
Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Type of AidNumber receiving aidPercent receiving aidTotal amount of aid receivedAverage amount of aid received
Any student financial aid175876%————
Grant or scholarship aid55055%$6,609,687$12,018
Federal grants30030%$1,624,547$5,415
Pell grants29430%$1,543,071$5,249
Other federal grants636%$81,476$1,293
State/local government grant or scholarships28529%$1,930,627$6,774
Institutional grants or scholarships38539%$3,054,513$7,934
Student loan aid41542%$3,234,730$7,795
Federal student loans39239%$1,974,503$5,037
Other student loans9510%$1,260,227$13,266
  • 1 Includes students receiving Federal work study aid and aid from other sources not listed above.
All Undergraduate Students
Type of AidNumber receiving aidTotal amount of aid receivedAverage amount of aid received
Grant or scholarship aid12,515$25,686,673$10,213
Pell grants1,496$7,319,609$4,893
Federal student loans2,423$18,079,969$7,462
  • 1 Grant or scholarship aid includes aid received, from the federal government, state or local government, the institution, and other sources known by the institution.

Average Net Price for Full-Time Beginning Students
Full-time beginning undergraduate students who paid the in-state or in-district tuition rate and were awarded grant or scholarship aid from federal, state or local governments, or the institution.
2018-20192019-20202020-2021
Average net price$16,823$17,286$12,251
Full-time beginning undergraduate students who paid the in-state or in-district tuition rate and were awarded Title IV aid by income.
Average net price by Income2018-20192019-20202020-2021
$0 – $30,000$11,355$12,200$6,453
$30,001 – $48,000$14,988$16,485$9,555
$48,001 – $75,000$21,945$22,026$14,464
$75,001 – $110,000$26,052$27,108$20,795
$110,001 and more$26,657$27,713$22,372
  • Average net price is generated by subtracting the average amount of federal, state/local government, or institutional grant or scholarship aid from the total cost of attendance. Total cost of attendance is the sum of published tuition and required fees (lower of in-district or in-state), books and supplies, and the weighted average for room and board and other expenses.
  • Beginning students are those who are entering postsecondary education for the first time.
  • Title IV aid to students includes grant aid, work study aid, and loan aid. These include: Federal Pell Grant, Federal Supplemental Educational Opportunity Grant (FSEOG), Academic Competitiveness Grant (ACG), National Science and Mathematics Access to Retain Talent Grant (National SMART Grant), Teacher Education Assistance for College and Higher Education (TEACH) Grant, Federal Work-Study, Federal Perkins Loan, Subsidized Direct or FFEL Stafford Loan, and Unsubsidized Direct or FFEL Stafford Loan. For those Title IV recipients, net price is reported by income category and includes students who received federal aid even if none of that aid was provided in the form of grants. While Title IV status defines the cohort of student for which the data are reported, the definition of net price remains the same – total cost of attendance minus grant aid.
Net Price Calculator
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Otoño 2021
Matrícula total5,732
Matrícula de subgraduados5,145
Undergraduate transfer-in enrollment356
Graduate enrollment587
Estatus de Asistencia SubgraduadaGénero del Subgraduado
Estatus de Asistencia Subgraduada:
Tiempo completo: 87%
Tiempo parcial: 13%Género del Subgraduado:
Hombre: 42%
Mujer: 58%
Raza/origen del Subgraduado
Raza/origen del Subgraduado:
Nativo Americano/Nativo de Alaska: 0%
Asiático: 9%
Afro-Americano no Hispano: 6%
Hispano: 20%
Isleño del Pacífico: 0%
Caucásico no Hispano: 55%
Two or more races: 0%
Raza/origen desconocido: 8%
Extranjero no-residente: 1%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age:
24 and under: 90%
25 and over: 10%
Age unknown: 0%Undergraduate Student Residence:
In-state: 95%
Out-of-state: 3%
Foreign countries: 0%
Unknown: 1%
  • Residence data are reported for first-time degree/certificate-seeking undergraduates, Otoño 2020.
Graduate Attendance Status
Graduate Attendance Status:
Tiempo completo: 37%
Tiempo parcial: 63%
Undergraduate Distance Education StatusGraduate Distance Education Status
Undergraduate Enrollment by Distance Education Status:
Enrolled only in distance education: 27%
Enrolled in some distance education: 60%
Not enrolled in any distance education: 13%Graduate Enrollment by Distance Education Status:
Enrolled only in distance education: 44%
Enrolled in some distance education: 22%
Not enrolled in any distance education: 34%
Cuota de aplicación subgraduada (2021-2022): $65
Admisión de Subgraduados Otoño 2021
TotalHombreMujer
Número de aplicantes6,9302,6744,256
Porcentaje admitido70%68%71%
Porcentaje admitido matriculado19%19%18%
Consideraciones para AdmisiónRequerido(a)Recomendado(a)Considered but not required
GPA (calificación media) de la escuela secundariaX
Rango de la escuela secundariaX
Historial de la escuela secundariaX
Finalización de programa de preparación universitariaX
RecomendacionesX
Puntuaciones del SAT/ACTX
TOEFL (Test of English as a Foreign language/Prueba de Inglés como Idioma Extranjero)X
Puntuaciones: Otoño 2021 (estudiantes primerizos matriculados)
Puntuaciones sometidas de Estudiantes NúmeroPorcentaje
SAT28131%
ACT394%
Resultados de Examen25to Porcentaje*75to Porcentaje**
NOTAS:
*  25% de los estudiantes calificaron o por debajo
** 25% de los estudiantes calificaron o sobre
  • Los datos aplican para estudiantes que buscan su primer grado/certificado.
  • Se solicita a las instituciones reportar estas puntuaciones solamente si se requieren para admisión.
SAT Evidence-Based Reading and Writing550640
SAT Math550640
ACT Composite2329
ACT English2232
ACT Math2229
First-to-Second Year Retention Rates

Retention rates measure the percentage of first-time students who are seeking bachelor's degrees who return to the institution to continue their studies the following fall.

Retention Rates for First-Time Students Pursuing Bachelor's Degrees
Student retention:
Estudiantes a tiempo completo: 87%
Estudiantes a tiempo parcial: 100%
Percentage of Students Who Began Their Studies in Fall 2020 and Returned in Fall 2021
Overall Graduation Rate and Transfer-Out Rate

The overall graduation rate is also known as the "Student Right to Know" or IPEDS graduation rate. It tracks the progress of students who began their studies as full-time, first-time degree- or certificate-seeking students to see if they complete a degree or other award such as a certificate within 150% of "normal time" for completing the program in which they are enrolled.

Some institutions also report a transfer-out rate, which is the percentage of the full-time, first-time students who transferred to another institution.

Note that not all students at the institution are tracked for these rates. Students who have already attended another postsecondary institution, or who began their studies on a part-time basis, are not tracked for this rate. At this institution, 60 percent of entering students were counted as "full-time, first-time" in 2021.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2015
Índice total de graduación:
Índice total de graduación: 72%
Índice de transferencias: 18%
Percentage of Full-time, First-Time Students Who Graduated or Transferred Out Within 150% of "Normal Time" to Completion for Their Program
Bachelor's Degree Graduation Rates

Bachelor’s degree graduation rates measure the percentage of entering students beginning their studies full-time and are planning to get a bachelor’s degree and who complete their degree program within a specified amount of time.

Graduation Rates for Students Pursuing Bachelor's Degrees
Índice de licenciaturas:
[Began in Fall 2013]
4-años: 59%
6-años: 72%
8-años: 73%
[Began in Fall 2015]
4-años: 58%
6-años: 72%
Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time and Began in Fall 2013 or Fall 2015
6-Year Graduation Rate by Gender for Students Pursuing Bachelor's Degrees
6-Year Graduation Rate by Gender for Students Pursuing Bachelor's Degrees:
Hombre: 69%
Mujer: 74%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2015 and Received a Degree or Award Within 150% of "Normal Time" to Completion for Their Program
6-Year Graduation Rate by Race/Ethnicity for Students Pursuing Bachelor's Degrees
6-Year Graduation Rate by Race/Ethnicity for Students Pursuing Bachelor's Degrees:
Nativo Americano/Nativo de Alaska: 75%
Asiático: 71%
Afro-Americano no Hispano: 55%
Hispano: 71%
Caucásico no Hispano: 74%
Two or more races: 100%
Raza/origen desconocido: 66%
Extranjero no-residente: 68%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2015 and Received a Degree or Award Within 150% of "Normal Time" to Completion for Their Program
  • Alternative measures of student success are reported by degree-granting institutions to describe the outcomes of degree/certificate-seeking undergraduate students who are not only first-time, full-time students, but also part-time attending and non-first-time (transfer-in) students. These measures are also reported for students receiving Pell grants and those students that do not receive Pell grants. These measures provide the 8-year award-completion rates by award level (certificates, associate's and bachelor degrees) after entering an institution. For students who did not earn any undergraduate award after 8-years of entry, the enrollment statuses are reported as either still enrolled at the institution, or subsequently transferred out of the institution. Unlike the Graduation Rates data, all reporting institutions must report on their transfer outs regardless if the institution has a mission that provides substantial transfer preparation.
FULL-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2013-14
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 72%
Enrolled at same institution: 0%
Enrolled at different institution: 20%
[Pell]
Received a Bachelor's degree: 64%
Enrolled at same institution: 0%
Enrolled at different institution: 27%
[Non-Pell]
Received a Bachelor's degree: 75%
Enrolled at same institution: 0%
Enrolled at different institution: 17%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2013-14
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 72%
Enrolled at same institution: 0%
Enrolled at different institution: 14%
[Pell]
Received a Bachelor's degree: 63%
Enrolled at same institution: 0%
Enrolled at different institution: 16%
[Non-Pell]
Received a Bachelor's degree: 75%
Enrolled at same institution: 1%
Enrolled at different institution: 13%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2013-14
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 53%
Enrolled at same institution: 1%
Enrolled at different institution: 20%
[Pell]
Received a Bachelor's degree: 58%
Enrolled at same institution: 0%
Enrolled at different institution: 25%
[Non-Pell]
Received a Bachelor's degree: 52%
Enrolled at same institution: 2%
Enrolled at different institution: 19%
Finalización (Number of awards conferred) 2020-2021
Completions are the number of awards conferred by program and award level.
clasificar porProgramaPostgraduate
Certificate
LicenciaturaMaestríaDoctorado
  • Los datos mostrados son para primeras especializaciones.
  • (-) Program is not offered at this award level.
  • d identifies programs and award levels that are offered as a distance education program. For program category totals, d is shown if one or more programs in the category are offered as a distance education program.
Area, Ethnic, Cultural, Gender, and Group Studies
African-American/Black Studies-0--
American/United States Studies/Civilization-2--
Area Studies, Other-0--
Total de categorías-2--
Biological and Biomedical Sciences
Biochemistry-5--
Bioinformatics-0--
Biology/Biological Sciences, General-890-
Total de categorías-940-
Business, Management, Marketing, and Related Support Services
Accounting-7143-
Business Administration and Management, General-13121-
Business/Commerce, General-26--
Finance, General-47--
International Business/Trade/Commerce-10--
Marketing/Marketing Management, General-49--
Total de categorías-33464-
Communication, Journalism, and Related Programs
Communication and Media Studies, Other-101--
Organizational Communication, General--0-
Speech Communication and Rhetoric-0--
Total de categorías-1010-
Computer and Information Sciences and Support Services
Computer and Information Sciences, General-29--
Information Science/Studies-38--
Total de categorías-67--
Education
Education, Other--29-
Educational Leadership and Administration, General--37-
Elementary Education and Teaching-45--
Special Education and Teaching, General--24-
Total de categorías-4590-
English Language and Literature/Letters
English Language and Literature, General-20--
Total de categorías-20--
Foreign Languages, Literatures, and Linguistics
Comparative Literature-0--
Spanish Language and Literature-2--
Total de categorías-2--
Health Professions and Related Programs
Allied Health Diagnostic, Intervention, and Treatment Professions, Other-0--
Clinical Laboratory Science/Medical Technology/Technologist-1--
Nursing Education0---
Nursing Practice---0
Nursing Science-126d31d-
Total de categorías0127d31d0
History
History, General-210-
Total de categorías-210-
Legal Professions and Studies
Legal Professions and Studies, Other-0--
Legal Studies-25--
Total de categorías-25--
Liberal Arts and Sciences, General Studies and Humanities
Humanities/Humanistic Studies-0--
Liberal Arts and Sciences/Liberal Studies-40-
Total de categorías-40-
Mathematics and Statistics
Mathematics, General-11--
Total de categorías-11--
Multi/Interdisciplinary Studies
Biological and Physical Sciences-0--
International/Globalization Studies-15--
Multi-/Interdisciplinary Studies, General-27--
Natural Sciences-1--
Sustainability Studies0---
Total de categorías043--
Natural Resources and Conservation
Environmental Science-14--
Environmental Studies-220-
Total de categorías-360-
Philosophy and Religious Studies
Philosophy-1--
Total de categorías-1--
Physical Sciences
Chemistry, General-3--
Physics, General-8--
Total de categorías-11--
Psychology
Psychology, General-96--
Total de categorías-96--
Public Administration and Social Service Professions
Social Work-6180-
Total de categorías-6180-
Social Sciences
Economics, General-8--
Political Science and Government, General-150-
Social Sciences, General-71--
Sociology, General-190-
Total de categorías-1130-
Visual and Performing Arts
Art/Art Studies, General-0--
Drama and Dramatics/Theatre Arts, General-10--
Intermedia/Multimedia-0--
Music, General-320-
Visual and Performing Arts, General-120-
Total de categorías-540-
Gran total01,2682650
Services and Programs for Servicemembers and Veterans
Credit for military training
Dedicated point of contact for support services for veterans, military servicemembers, and their families
Recognized student veteran organization
Member of Servicemembers Opportunity Colleges
Tuition policies specifically for Veterans and Servicemembers
Educational Benefits, 2020-2021
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance:
Post-9/11 GI Bill Benefits - undergraduates: 21
Post-9/11 GI Bill Benefits - graduates: 5
DoD Tuition Assistance Program - undergraduates: 0
DoD Tuition Assistance Program - graduates: 0
Average amount of benefits/assistance awarded through the institution
Average amount of benefits/assistance awarded through the institution:
Post-9/11 GI Bill Benefits - undergraduates: $12,522
Post-9/11 GI Bill Benefits - graduates: $15,719
RETENTION RATES
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS PURSUING BACHELOR'S DEGREES
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS PURSUING BACHELOR'S DEGREES
Full-time students: 83%
Retention rate is the percentage of undergraduate students who began their studies in academic year 2013-14 and returned in academic year 2014-15
2020-2021 Atletas Universitarios
NCAA Division III without footballHombresMujeres
Baseball33
Basketball1917
Field Hockey24
Lacrosse18
Soccer3225
Softball23
Swimming2020
Tennis87
Track and Field, Indoor3928
Track and Field, X-Country2215
Volleyball1516
Acreditación Institucional
AccreditorStatusNext Review Date
Middle States Commission on Higher EducationAccredited since (01/01/1975)01/01/2028
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
Accreditation Commission for Education in Nursing, Inc. – May 6, 2013 Formerly: National League for Nursing Accrediting Commission
Nursing (MNUR) - Master's programAccredited since ((!)02/01/2008)12/31/2029
Nursing (NUR) - Baccalaureate programAccredited since ((!)02/01/2008)12/31/2029
 No Longer Recognized  Teacher Education Accreditation Council, Accreditation Committee
Baccalaureate Teacher Education Accreditation Council (BTEAC) - Baccalaureate programsAccredited since (05/03/2013)12/31/2020
Baccalaureate Teacher Education Accreditation Council (BTEAC) - Baccalaureate programsPreaccredited (12/01/2007 - 05/03/2013)
Graduate Teacher Education Accreditation Council (GTEAC) - Graduate programsAccredited since (05/03/2013)12/31/2020
Graduate Teacher Education Accreditation Council (GTEAC) - Graduate programsPreaccredited (12/01/2007 - 05/03/2013)
  • (!) Fecha estimada
  • For more detailed information on accreditation for this institution, including all actions and justification for actions, visit OPE's Database of Accredited Postsecondary Institutions and Programs: ope.ed.gov/dapip/#/institution-profile/128568.
On-Campus
Criminal Offenses201820192020
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape1392
d. Fondling330
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary000
j. Motor vehicle theft120
k. Arson000
VAWA Offenses201820192020
a. Domestic violence341
b. Dating violence442
c. Stalking941
Arrests201820192020
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations28202
c. Liquor law violations001
Disciplinary Actions201820192020
a. Weapons: carrying, possessing, etc.400
b. Drug abuse violations26211
c. Liquor law violations8810915
On-Campus Student Housing Facilities
  • On-campus Student Housing Facilities statistics are a subset of On-Campus statistics.
Criminal Offenses201820192020
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape982
d. Fondling330
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary000
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201820192020
a. Domestic violence321
b. Dating violence332
c. Stalking801
Arrests201820192020
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations25202
c. Liquor law violations001
Disciplinary Actions201820192020
a. Weapons: carrying, possessing, etc.300
b. Drug abuse violations17211
c. Liquor law violations7810915
  • The crime data reported by the institutions have not been subjected to independent verification by the U.S. Department of Education. Therefore, the Department cannot vouch for the accuracy of the data reported here.
  • The crime statistics displayed only includes On-Campus data associated with the main campus as listed on College Navigator. For statistics associated with each campus location, off campus data, and for additional information covering Hate Crimes, and Fire statistics see https://ope.ed.gov/campussafety.
  • The On-Campus data do not include incidents that: (a) took place on public property, including thoroughfares, streets, sidewalks, and parking facilities, that is within the campus, or immediately adjacent to and accessible from the campus; (b) took place on any building or property owned or controlled by a student organization that is officially recognized by the institution; or (c) took place on any building or property owned or controlled by an institution that is used in direct support of, or in relation to, the institution's educational purposes, is frequently used by students, and is not within the same reasonably contiguous geographic area of the institution.
Three-year Official Cohort Default Rates
Fiscal Year201820172016
Default rate4.2%4.1%5.4%
Number in default595674
Number in repayment1,4041,3541,360
Aid Programs
  • Federal Direct Loan (Direct Loan)